Life Insurance with Functional Neurological Disorder

Life Insurance when you have a Functional Neurological Disorder will be assessed on a case by case basis. If your symptoms have been fully investigated and tests have shown no known neurological conditions, then Life Insurance may be available at normal terms. You will need to place your Life Insurance application with specific insurers who can consider the cover for someone with FND. Whilst normal terms may be available, it is possible that the Life Insurance may come with an increased premium. This will be highly dependent upon. The symptoms that you have e.g. fibro fog, chronic fatigue, blackouts etc.

If you are currently under investigation to see if you have Functional Neurological Disorder, your Life Insurance application will be postponed until your doctor has confirmed the diagnosis.

Critical Illness Cover with Functional Neurological Disorder

Critical Illness Cover for those with Functional Neurological Disorder will also need to be applied for with specific insurers who can consider offering the cover. It is likely that any offer of Critical Illness Cover for someone with FND will come with exclusions to the policy claims set, or at a higher monthly premium. The insurer will base their decision on the severity and frequency of your symptoms. If the Functional Neurological Disorder causes you to have regular blackouts, it is possible that you will be declined Critical Illness Cover.

Income Protection with Functional Neurological Disorder

When you apply for Income Protection and have FND, the insurer will want to know if the condition has caused you to have time off work. If you have had regular time off work, experience excessive tiredness or have significant muscle pain, it is likely that you will be declined Income Protection. Where the Functional Neurological Disorder presents mild or infrequent symptoms, Income Protection may be available with an exclusion to the claims set.

For those who are declined long-term Income Protection, it is worthwhile considering an Accident, Sickness and Unemployment policy. These short-term policies offer you 12-24 months income replacement if you are unable to work due to long-term injury, disability or involuntary redundancy. You can arrange one of these policies regardless of the FND, but you must be fully aware that any claim related to your existing healht will be excluded from the claims set.

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Summary definition

Functional Neurological Disorder (FND) is diagnosed when an individual experiences a range of physical symptoms, that have no apparent cause. The diagnosis is often linked to a recent trauma, or a combined physical and emotional event. Symptoms can be indicative of a known neurological disorder, such as epilepsy, but tests will fail to show any specific cause for the physical changes. A symptom of FND can be functional seizures, that can also be known as non-epileptic seizures, non-epileptic attack disorder (NEAD,) non-epileptic events, dissociative seizures, pseudo seizures, pseudo-epileptic seizures, psychogenic seizures, or conversion seizures.

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